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Admiral Group plc (AMIGF)

USD50.20 +0.00 (+0.00%)
GB OTC Financial Services Insurance - Property & Casualty
Address Ty Admiral CF10 2EH
Cardiff, GB
CEO Milena Mondini de Focatiis
IPO 2007-01-10
ISIN GB00B02J6398

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Also trades on London Stock Exchange · ADM.L (GBp) Other OTC · AMIGF (USD) Other OTC · AMIGY (USD)
Description

Admiral Group Plc is a holding company, which engages in the business of sale and underwriting of private car insurance. It operates through the following segments: UK Insurance, International Car Insurance, Price Comparison, and Other. The UK Insurance segment consists of the underwriting of car insurance and other products that supplement the car insurance policy. The International Car Insurance segment offers underwriting of car insurance and the generation of ancillary income from underwriting car insurance outside of the UK. The Price Comparison segment relates to the price comparison websites which include Confused.com in the UK, Rastreator in Spain, LeLynx in France, and compare.com in the U.S. Admiral Loans segment deals with business loans. The Other segment is designed to be comprised of all remaining operating segments. The company was founded by David Graham Stevens and Henry allan Engelhardt in 1993 and is headquartered in Cardiff, the United Kingdom.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD50.20 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
121
Beta
0.18
Float Shares
253.22M
Free Float %
84.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% -6.57% +12.66% +0.45% -0.86% -4.43% +50.39% +4.68% +51.62% +347.68%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
50.20
DCF (Unlevered) 264.80 +427.5%
DCF (Levered) 361.34 +619.8%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
2.51
Grey zone
Piotroski F-Score
7 / 9
Strong
MOAT Score
6 / 10
Developing
Operational MOAT
✗ Below peers
  • Revenue growth Insurance - Property & Casualty: +14.1%
    +15.9% Q4'25: +225.2% (vs Q4'23)
  • EPS growth Insurance - Property & Casualty: +27.5%
    +11.5% Q4'25: +109.4% (vs Q4'23)
  • FCF margin FCF growth · Insurance - Property & Casualty: +25.6%
    +9.5% Q4'25: +6.5% (vs Q4'23)
  • EBIT margin Insurance - Property & Casualty: +16.3%
    +18.7% Q4'25: +17.2% (vs Q4'23)
  • ROIC Insurance - Property & Casualty: +7.9%
    +26.7% Q4'25: +49.3% (vs Q4'23)
  • Share dilution Insurance - Property & Casualty: +0.4%
    +35.1% Q4'25: +0.1% (vs Q4'23)
  • Debt / EBITDA Net debt/EBITDA · Insurance - Property & Casualty: -0.10×
    1.69× Q4'25: 0.91× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.18) × ERP
WACC = 87% × Ke + 13% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 264.80 Current price: 50.20
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
3 Rev. Ana.
1 EPS Ana.
Dec 2027
3 Rev. Ana.
1 EPS Ana.
Dec 2028
1 Rev. Ana.
1 EPS Ana.
Dec 2029
2 Rev. Ana.
1 EPS Ana.
Revenue
904.80M
est: 1.83B (-50.6%)
1.02B
est: 2.09B (-51.5%)
1.13B
est: 1.37B (-17.5%)
1.27B
est: 1.16B (+9.3%)
1.23B
est: 1.38B (-11.1%)
1.30B
est: 1.38B (-5.9%)
1.55B
est: 3.06B (-49.4%)
3.02B
est: 3.40B (-11.1%)
3.51B
est: 3.90B (-10.0%)
4.81B
est: 5.86B (-17.9%)
5.57B
est: 5.06B (+10.0%)
5.17B
3.89B – 5.93B
+2.2% YoY
5.51B
3.82B – 6.55B
+6.4% YoY
5.81B
4.19B – 6.79B
+5.4% YoY
22.07B
15.93B – 25.79B
+280.2% YoY
EBITDA
est: 599.92M (-100.0%)
est: 686.19M (-100.0%)
487.20M
est: 448.75M (+8.6%)
569.10M
est: 379.19M (+50.1%)
723.90M
est: 452.37M (+60.0%)
837.20M
est: 452.65M (+85.0%)
795.50M
est: 1.00B (-20.6%)
403.10M
est: 1.11B (-63.8%)
521.80M
est: 1.28B (-59.2%)
951.80M
est: 1.40B (-32.0%)
1.12B
est: 1.21B (-7.5%)
1.24B
929.13M – 1.42B
+2.2% YoY
1.32B
913.12M – 1.57B
+6.4% YoY
1.39B
1.00B – 1.62B
+5.4% YoY
5.27B
3.81B – 6.16B
+280.2% YoY
EBIT
379.80M
est: 507.60M (-25.2%)
289.80M
est: 580.59M (-50.1%)
414.90M
est: 379.69M (+9.3%)
491.10M
est: 320.84M (+53.1%)
525.90M
est: 382.75M (+37.4%)
629.70M
est: 382.99M (+64.4%)
727.20M
est: 848.11M (-14.3%)
361.20M
est: 942.95M (-61.7%)
463.30M
est: 1.08B (-57.2%)
866.30M
est: 1.28B (-32.1%)
1.04B
est: 1.10B (-5.6%)
1.13B
846.22M – 1.29B
+2.2% YoY
1.20B
831.64M – 1.43B
+6.4% YoY
1.26B
912.21M – 1.48B
+5.4% YoY
4.80B
3.47B – 5.61B
+280.2% YoY
Net Income
300.00M
est: 463.23M (-35.2%)
222.20M
est: 369.15M (-39.8%)
334.20M
est: 459.68M (-27.3%)
395.10M
est: 516.44M (-23.5%)
432.40M
est: 569.77M (-24.1%)
528.80M
est: 660.95M (-20.0%)
997.90M
est: 876.75M (+13.8%)
286.50M
est: 480.77M (-40.4%)
338.00M
est: 451.56M (-25.1%)
663.30M
est: 933.91M (-29.0%)
742.48M
est: 1.31B (-43.2%)
1.32B
842.25M – 1.61B
+0.9% YoY
1.45B
922.76M – 1.76B
+9.6% YoY
1.60B
1.02B – 1.95B
+10.6% YoY
1.60B
1.02B – 1.96B
+0.4% YoY
SGA
251.60M
est: 380.34M (-33.8%)
332.40M
est: 435.03M (-23.6%)
366.90M
est: 284.49M (+29.0%)
424.00M
est: 240.40M (+76.4%)
216.80M
est: 286.79M (-24.4%)
247.70M
est: 286.97M (-13.7%)
479.00M
est: 635.48M (-24.6%)
580.80M
est: 706.54M (-17.8%)
654.30M
est: 810.51M (-19.3%)
769.10M
est: 1.16B (-33.5%)
772.70M
est: 998.97M (-22.7%)
1.02B
767.20M – 1.17B
+2.2% YoY
1.09B
753.98M – 1.29B
+6.4% YoY
1.15B
827.02M – 1.34B
+5.4% YoY
4.35B
3.14B – 5.09B
+280.2% YoY
EPS
1.07
est: 1.51 (-29.2%)
0.79
est: 1.21 (-34.4%)
1.17
est: 1.50 (-22.0%)
1.37
est: 1.69 (-18.7%)
1.48
est: 1.86 (-20.4%)
1.80
est: 2.16 (-16.6%)
1.96
est: 2.86 (-31.5%)
0.95
est: 1.57 (-39.5%)
1.11
est: 1.47 (-24.7%)
2.17
est: 2.26 (-3.8%)
2.46
est: 3.16 (-22.1%)
3.19
2.04 – 3.89
+0.9% YoY
3.49
2.23 – 4.26
+9.6% YoY
3.86
2.47 – 4.71
+10.6% YoY
3.88
2.48 – 4.73
+0.4% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-18 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-04-27 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-04-21 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.15B
OE per share TTM
3.75
Owner's Yield
9.14%
Maintenance CapEx ratio
7.98%
Maint CapEx / Avg PPE
3.6%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
69.8K
Shares Outstanding
298.90M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Milena Mondini-de-Focatiis Group Chief Executive Officer & Executive Director 3M female
Geraint Jones Chief Financial Officer & Executive Director 2M male
David Graham Stevens Advisor 566.8K male
Keith Gerald Davies Group Chief Risk & Compliance Officer male
Lorna Connelly UK Head of People female
Noel Summerfield Head of Household
Alistair Hargreaves Chief Executive Officer of UK Insurance Business male
Zareena Brown Group Chief People Officer female
Daniel John Caunt Group Company Secretary & General Counsel male
Diane Michelberger Head of Investor Relations
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits